January 2019- Start the new year on the right foot and review your retirement plan now. Depending on your age, hopefully you have time to make up any shortfalls or losses that can affect your retirement plan. If you wait too long, you may find out too late that you need to make some difficult choices such as:

-working longer so you have more time to save, and more time for your investments to grow or recover, before you start drawing on them

-cutting back your spending, so you can save and invest more now

-retiring as planned and learning to live on less than you expected or prefer.